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Cowbell Prime One

Standalone cyber insurance programme

Prime One is designed for small and medium-sized enterprises (SMEs) with annual turnover up to $100M. These cyber policies are written on Zurich Australian Insurance Ltd paper.

Prime One keeps cyber insurance simple: clear, reliable protection for businesses and straightforward, efficient processes for brokers. This is the steady assurance organisations need to move forward with confidence.

Prime One is suitable for a range of businesses, including:

  • Accounting firms
  • Construction & Contractors
  • Entertainment
  • Financial services
  • Healthcare
  • Hospitality & Hotel
  • Insurance brokerages
  • Law firms
  • Manufacturing
  • Medical & Dental offices
  • Not-for-Profit
  • Professional services
  • Retail & E-commerce
  • Transportation
  • Wholesale
The Cowbell advantage

We design coverage around...

what actually happens in a cyber event, explained in clear, simple terms that brokers can share with clients. Every policy goes beyond insurance to deliver resilience that resonates: calm, effective protection that strengthens businesses before, during, and after an incident.
  • Cowbell factors™:

    Easy-to-understand risk ratings that reveal vulnerabilities clearly

  • Cowbell insights:

    Practical, actionable guidance to strengthen defences

  • Expert Claims Support:

    24/7 in-house specialists who lead with empathy, guide recovery, and provide peace of mind when it matters most

  • Cybersecurity awareness training:

    Complimentary, easy-to-administer training programmes that empower employees to identify threats before they turn into a cyber event*

  • Cowbell resiliency services (CRS):

    Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defences, and recover faster

    design coverage

    *Cybersecurity awareness training offered through Wizer. Policyholders get unlimited seats at no additional cost for the first 12 months after policy inception. Email us at plorefrphevgl@pbjoryyplore.nv to learn more.

    Prime One coverages

    Prime One offers comprehensive protection against the wide range of cyber incidents that can disrupt businesses. The list below is not exhaustive but highlights the coverages most frequently selected by policyholders.

    Breach fund costs

    Coverage for costs incurred resulting from an actual or reasonably suspected cyber event, including breach counsel, forensics, notification, identity monitoring services, and crisis management.

    Business interruption loss

    Coverage for the income loss and extra expenses incurred due to the actual and measurable interruption or degradation in performance of the insured’s computer system, including a voluntary shutdown of the system when such action is taken to minimise, avoid, or reduce further damage as a result of a covered incident.

    Cyber crime loss

    Coverage for loss of money directly resulting from: (1) social engineering, (2) reverse social engineering, and/or (3) fraudulent transfer of funds.

    Data restoration

    Coverage for the cost to replace, restore, recreate, or recover data residing on an insured’s computer system that is compromised as a direct result of a network security incident.

    System failure business interruption loss

    Coverage for the income loss and extra expenses incurred due to a system failure* which causes the actual and measurable interruption, suspension, failure, degradation, or delay in performance of the insured’s computer system.
    *see policy wording

    Reputational harm expense

    Coverage for income loss during a period of indemnity that directly results from a communication via any medium specifically arising from an actual or alleged incident that threatens to, or actually does, negatively harm the insured’s reputation.

    Extortion costs

    Coverage for investigation expenses and, where legally permissible, payments made to terminate a credible cyber-extortion threat.

    Cowbell:

    Cowbell delivers cyber insurance that cuts through complexity and adapts as risks evolve. With streamlined quoting, expert guidance, and protection designed for the realities of today’s threats, we make coverage easier to understand and more reliable when it matters most. The foundation of this approach is the Hum—our constant, steady vigilance that leads to stronger businesses, trusted partnerships, and the quiet confidence to keep moving forward.

    This overview is for general informational purposes only and does not constitute an offer of insurance. The coverages and examples described are illustrative and may not represent all possible scenarios. Availability, terms, limits, and conditions may vary and are subject to underwriting approval. References to third-party services are subject to their own terms and availability. Actual coverage is determined solely by the terms, conditions, and exclusions of the issued policy.

    Cowbell Prime One is offered through Cowbell Insurance Solutions Pty Ltd. (“COWBELL  AU”) (ABN 52 684 362 552, AFSL 700075) as a delegated authority holder for Zurich Australian Insurance Limited (ABN 13 000 296 640 and AFS Licence 232507).